View Poll Results: Should medically judged fat people pay higher medical costs?

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  • Yes

    48 52.75%
  • No

    43 47.25%
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Thread: Should medically judged fat people pay higher medical costs? [W:87]

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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by Dittohead not! View Post
    Correct, but they need to compete for your business. If Company A is offering a discount, the Company B has to follow suit or lose customers.
    No they do not. There is no real competition between health insurance companies. I believe that was a republican idea, to open up the market across state lines to make it more competitive.

    Understanding the controversy of selling health insurance across state lines

    Over the past several years, lawmakers have introduced proposals that would make this possible. In January 2011, U.S. Rep. Marsha Blackburn, R-Tenn., introduced legislation called the Health Care Choices Act. If it becomes law, it would allow health insurance products to be sold across state lines.

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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by ChrisL View Post
    No they do not. There is no real competition between health insurance companies. I believe that was a republican idea, to open up the market across state lines to make it more competitive.

    Understanding the controversy of selling health insurance across state lines
    It was more of a Republican talking point. The fact of the matter is that insurance can be sold across state lines now, just as long as the seller abides by the regulations of the state in which they are doing business. Since the states, and not the federal government, were regulating insurance before "Obamacare", the requirement that insurers abide by those regulations was in place so that they wouldn't set up shop in the state with the loosest regulations and then sell nationwide according to those regulations. The rule is obsolete now as there is federal regulation, so sure, they should be allowed to sell across state lines. Nevertheless, there is plenty of opportunity for competition even within states.
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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by ChrisL View Post
    It's wrong. My health insurance company has never asked if I smoke or not. Is that a question you had to answer to get health insurance coverage?
    No, because I am on a group policy. They didn't ask about pre-existing conditions either. Same reason. Likely why you weren't asked.

    Now, some employers going for a better group rate might, who by policy don't hire smokers, ask if you are a smoker .

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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by Dittohead not! View Post
    Yes, it is.

    I'm not sure we want to encourage them to move out, but maybe. If the smoker has no more consideration that to smoke inside the house, we could be doing the non smoker a favor.

    Well it doesn't trip the risk meter for actuaries. How do we know this, because insurance companies are not precluded from charging extra for that risk, and they do not.

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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by Dittohead not! View Post
    It was more of a Republican talking point. The fact of the matter is that insurance can be sold across state lines now, just as long as the seller abides by the regulations of the state in which they are doing business. Since the states, and not the federal government, were regulating insurance before "Obamacare", the requirement that insurers abide by those regulations was in place so that they wouldn't set up shop in the state with the loosest regulations and then sell nationwide according to those regulations. The rule is obsolete now as there is federal regulation, so sure, they should be allowed to sell across state lines. Nevertheless, there is plenty of opportunity for competition even within states.
    There isn't any competition quite obviously. Health insurance companies want your money and want to be profitable. That is all. I am highly doubtful that anyone is going to get a "discount" because those things cannot be proven, unless you have someone watching you 24/7.

    With car insurance, NOT getting into an accident is a much simpler measurement for giving a drivers discount, and I'm still quite sure those companies are nickle and diming people to death in OTHER ways.

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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by clownboy View Post
    No, because I am on a group policy. They didn't ask about pre-existing conditions either. Same reason. Likely why you weren't asked.

    Now, some employers going for a better group rate might, who by policy don't hire smokers, ask if you are a smoker .
    Yes, I am on a group policy Blue Cross/Blue Shield of Massachusetts.

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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by clownboy View Post
    Well it doesn't trip the risk meter for actuaries. How do we know this, because insurance companies are not precluded from charging extra for that risk, and they do not.
    LOL! I'm sure if they could make extra money this way, they would have already employed it LONG ago.

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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by ChrisL View Post
    There isn't any competition quite obviously. Health insurance companies want your money and want to be profitable. That is all. I am highly doubtful that anyone is going to get a "discount" because those things cannot be proven, unless you have someone watching you 24/7.

    With car insurance, NOT getting into an accident is a much simpler measurement for giving a drivers discount, and I'm still quite sure those companies are nickle and diming people to death in OTHER ways.
    Oh, there is no question that they're nickle and diming people in other ways, however, there is still competition to help keep prices down. If Company A raises its rates by 30% after a three month contract, which has been my experience over and over again, then the customer has the option of shopping around and getting a better deal.

    I had one auto insurer raise my rates like that. When I shopped around and got a better deal, the agent had the nerve to ask me why I hadn't asked him for a quote! Your quote was what you wanted to charge me before you knew I was shopping around, of course.

    Health insurers are no different. They'll play the same sorts of games. The real difference is that their expenses, that is to say, what they have to pay out for procedures keeps going up faster than the rate of inflation. That is the big gorilla in the room that no one seems willing to address: Medical procedures costs are soaring, and the provider's incentive is to keep raising them and to provide service whether it is necessary or not.
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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by Dittohead not! View Post
    Oh, there is no question that they're nickle and diming people in other ways, however, there is still competition to help keep prices down. If Company A raises its rates by 30% after a three month contract, which has been my experience over and over again, then the customer has the option of shopping around and getting a better deal.

    I had one auto insurer raise my rates like that. When I shopped around and got a better deal, the agent had the nerve to ask me why I hadn't asked him for a quote! Your quote was what you wanted to charge me before you knew I was shopping around, of course.

    Health insurers are no different. They'll play the same sorts of games. The real difference is that their expenses, that is to say, what they have to pay out for procedures keeps going up faster than the rate of inflation. That is the big gorilla in the room that no one seems willing to address: Medical procedures costs are soaring, and the provider's incentive is to keep raising them and to provide service whether it is necessary or not.
    Yes, I've talked about this a lot in the past, that our actual problem is the rising and already exorbitant costs of health care. I would think that, in order to solve this issue, it would take someone (a politician with clout of course) who has inside knowledge of the healthcare industry. I was reading some interesting posts last week here about how a poster went to a hospital for some blood work and was charged an outrageous amount, but when they went to a local clinic for the same blood tests, it was like half the cost.

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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by ChrisL View Post
    Yes, I've talked about this a lot in the past, that our actual problem is the rising and already exorbitant costs of health care. I would think that, in order to solve this issue, it would take someone (a politician with clout of course) who has inside knowledge of the healthcare industry. I was reading some interesting posts last week here about how a poster went to a hospital for some blood work and was charged an outrageous amount, but when they went to a local clinic for the same blood tests, it was like half the cost.
    Part of the problem is that there is very little in the way of information that would allow you to shop around in order to find the best price. In addition, there is very little reason to shop around because someone else is paying for it..........my wife has patients badger her for equipment they do not need. When she explains they do not need it and she will not prescribe it, they get rather upset and generally go on a rant about how it is free anyway. Free to whom? (Yes. I am a big proponent of personal health care savings programs)
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